Stima Sacco has reported strong financial growth for the year ending December 2025, with total assets rising to Sh75.3 billion and member deposits reaching Sh52.2 billion, reflecting continued confidence among members and steady expansion of the cooperative’s financial services.
Leaders of the Sacco say the growth has been supported by disciplined leadership, improved governance, adoption of digital systems and sustained trust from members. The cooperative now plans to build on the performance by expanding services, strengthening investments and delivering long-term value to its members.
Speaking during the Stima Sacco Investor Briefing in Nairobi, National Chairman (Eng.) Joseph K. Siror said the institution’s performance was the result of careful management and a strong focus on long-term goals.
“The Society’s continued progress is anchored on disciplined leadership, sound risk management and a clear focus on long-term value creation for members and stakeholders,” he said.
Financial results released by the Sacco show that member deposits grew to Sh52.2 billion, while the loan portfolio expanded slightly higher to Sh52.5 billion. The figures point to continued demand among members for affordable credit and financial services offered by the cooperative.
Siror said the Sacco has also maintained strong capital and liquidity levels, which remain above the requirements set by regulators. This position, he said, reflects prudent financial management and stable operations within the institution.
“Our capital adequacy and liquidity levels remain comfortably above regulated requirements, affirming the society’s strong financial position and disciplined operations,” he said.
Following the positive results, members approved a dividend of 16 percent per share on fully paid share capital during the Annual General Meeting. In addition, an interest rebate of 11 percent on members’ deposits was also approved.
The two approvals translate into a total payout of Sh5.1 billion to members. This marks an increase from the Sh4.6 billion distributed in 2024.
Siror said the Sacco delivered the results despite a difficult global and local economic climate that continues to shape financial markets.
“Globally, growth remains moderate amid tightening financial conditions, geopolitical uncertainties and structural transitions towards greener and more digital economies,” he said.
At the local level, he noted that economic conditions in Kenya had begun to stabilise, supported by policy changes and easing inflation.
Siror also highlighted the role played by cooperative institutions in the country’s economic growth, noting that the sector continues to support savings, expand access to financial services and promote economic empowerment.
Even with the challenging environment, he said Stima Sacco remained stable and continued to record steady growth while improving its governance systems.
During the year under review, the board carried out a full board performance review and governance audit to examine the strength of the Sacco’s governance structure against regulatory expectations and international best practices.
“Implementation of the recommendations arising from these assessments is already underway to further strengthen oversight, accountability and institutional resilience,” Siror said.
The board also strengthened oversight in several areas considered critical to the Sacco’s operations. These include credit quality, cyber security, data protection and compliance with regulatory rules.
Siror added that the Sacco had begun aligning its reporting systems with global sustainability standards, including IFRS Sustainability Disclosure Standards S1 and S2.
“This enhances transparency, comparability and accountability in our reporting while reinforcing stakeholder confidence,” he said.
Looking ahead, the chairman said the Sacco will continue focusing on responsible growth while integrating environmental, social and governance considerations into its strategy and risk management systems.
“Our objective is clear, to build a resilient, well-governed and forward-looking cooperative institution that continues to empower our members while contributing meaningfully to economic and social progress,” he said.
Siror also thanked members, investors, regulators and partners for their continued support and trust in the Sacco.
“On behalf of the board, I extend our sincere appreciation to our members and investors for their continued trust and participation in the Sacco,” he said.
He further praised the Sacco’s management team and staff for their dedication, saying their efforts had played a key role in the organisation’s strong performance.
“Together, we remain committed to strengthening Stima Sacco and safeguarding its legacy for generations to come,” he said.